Toolwright

Financial Calculators

Mortgage, loans, investing, retirement, taxes, credit, and more.

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Amortization Calculator

Build a loan amortization schedule and preview principal, interest, and remaining balance by month.

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Mortgage Payoff Calculator

See how extra monthly payments can shorten your mortgage and reduce total interest.

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Rent Calculator

Budget an affordable rent from monthly income using a rent-to-income percentage.

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Debt-to-Income Ratio Calculator

Calculate your debt-to-income ratio from monthly debt payments and gross income.

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Real Estate Calculator

Estimate home buying power for real estate planning using income and loan assumptions.

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Refinance Calculator

Compare current vs new mortgage payments and estimate refinance break-even months.

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Rental Property Calculator

Estimate rental property cap rate and monthly cash flow from rent, expenses, and price.

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APR Calculator

Estimate payments for a loan using an APR-style annual interest rate and term.

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FHA Loan Calculator

Estimate monthly payments for an FHA-style home loan amount, rate, and term.

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VA Mortgage Calculator

Estimate VA mortgage principal and interest payments from loan amount, rate, and term.

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Home Equity Loan Calculator

Estimate monthly payments on a fixed home equity loan.

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HELOC Calculator

Estimate payments on a drawn HELOC balance using rate and repayment term assumptions.

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Down Payment Calculator

Convert home price and down-payment percent into cash needed and loan amount.

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Rent vs. Buy Calculator

Compare monthly rent against estimated mortgage principal and interest.

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Cash Back or Low Interest Calculator

Compare dealer cash-back plus higher APR versus a low-interest financing offer.

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Auto Lease Calculator

Estimate a car lease payment from cap cost, residual value, money factor, and term.

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Interest Calculator

Project interest growth on savings or investments with optional monthly deposits.

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Finance Calculator

General-purpose finance growth calculator for balances with recurring deposits.

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Interest Rate Calculator

Solve for annualized growth rate (CAGR) between a start and end value.

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Savings Calculator

Project savings balance with starting amount, return, and monthly deposits.

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Simple Interest Calculator

Calculate simple interest using principal × rate × time.

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CD Calculator

Estimate certificate of deposit maturity value from rate and term.

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Bond Calculator

Price a bond from face value, coupon rate, yield to maturity, and years.

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Mutual Fund Calculator

Project mutual fund growth from contributions and assumed annual return.

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Average Return Calculator

Calculate annualized average return between beginning and ending portfolio values.

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IRR Calculator

Estimate internal rate of return from a series of yearly cash flows.

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ROI Calculator

Measure return on investment as a percentage of cost.

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Payback Period Calculator

Estimate how many years until an investment is recovered from annual cash flow.

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Present Value Calculator

Discount a future amount to present value at a chosen rate.

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Future Value Calculator

Grow a present amount to future value at a constant annual rate.

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401K Calculator

Estimate 401(k) growth from balance, monthly contributions, and return assumptions.

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Pension Calculator

Project pension-style savings growth with contributions and assumed return.

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Social Security Calculator

Rough educational estimate of Social Security benefits from earnings and claim age.

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Annuity Calculator

Calculate the future value of regular annuity contributions.

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Annuity Payout Calculator

Convert a lump sum into estimated monthly annuity payouts over a term.

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Roth IRA Calculator

Project Roth IRA growth from contributions and assumed market return.

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IRA Calculator

Estimate traditional IRA growth with deposits and expected return.

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RMD Calculator

Estimate required minimum distribution using a simplified life-expectancy factor.

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Income Tax Calculator

Rough US federal income tax estimate for a single filer using simplified brackets.

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Salary Calculator

Estimate take-home salary after federal, FICA, and approximate state taxes.

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Marriage Tax Calculator

Simplified federal tax estimate useful for comparing household income scenarios.

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Estate Tax Calculator

Simple estate tax estimate above an exemption at a flat rate.

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Payment Calculator

Calculate monthly payments for a financed purchase or personal loan.

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Currency Calculator

Convert currency amounts using an exchange rate you provide.

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Inflation Calculator

See how inflation changes the future value and purchasing power of money.

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Sales Tax Calculator

Add sales tax to a purchase and see tax amount plus total.

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Credit Cards Payoff Calculator

Plan credit card debt payoff months and total interest paid.

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Debt Payoff Calculator

Estimate months and interest to pay off high-interest debt.

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Debt Consolidation Calculator

Compare interest cost of existing debt APR versus a consolidation loan.

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Repayment Calculator

See how extra payments accelerate loan repayment and cut interest.

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Student Loan Calculator

Estimate student loan monthly payments and total interest.

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College Cost Calculator

Project multi-year college costs with tuition inflation.

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VAT Calculator

Add value-added tax (or similar) to a price and see tax plus total.

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Depreciation Calculator

Straight-line depreciation expense per year from cost, salvage, and useful life.

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Margin Calculator

Set a sell price from cost and desired profit margin percentage.

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Discount Calculator

Calculate sale price and savings from an original price and discount percent.

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Business Loan Calculator

Estimate business loan payments, interest, and total cost.

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Personal Loan Calculator

Calculate personal loan monthly payments and total interest.

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Boat Loan Calculator

Estimate boat loan payments from amount, rate, and term.

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Lease Calculator

Estimate lease payments from capitalized cost, residual, money factor, and months.

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Budget Calculator

Balance monthly income against housing, food, transport, and other expenses.

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Commission Calculator

Calculate sales commission from sales volume and commission rate.

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